OneChoice vs Pinnacle Life
Funeral cover compared — structure, underwriting and waiting periods, side by side.
OneChoice offers a standalone funeral policy, bought direct and guaranteed-acceptance (no health questions). Pinnacle Life offers a standalone funeral policy, bought direct and available as guaranteed-acceptance or underwritten. Neither is universally cheaper — funeral cover is individually underwritten, so the right choice depends on your age, health and a real quote from each.
| Provider | Product type | How to buy | Underwriting | Waiting period | Max entry age |
|---|---|---|---|---|---|
 OneChoice | Standalone funeral cover | Direct | Guaranteed acceptance | 24-month natural-cause waiting period; accidental from day one | Entry ages on insurer site |
 Pinnacle Life | Standalone funeral cover | Direct | Both options | Standard 24-month natural-cause waiting period; accidental from day one | Up to age 75 on direct funeral cover |
OneChoice
- Product: a standalone funeral policy
- How to buy: bought direct
- Underwriting: guaranteed-acceptance (no health questions)
- Waiting period: 24-month natural-cause waiting period; accidental from day one
- Max entry age: Entry ages on insurer site
- Premium options: Stepped premiums
Underwritten by Hollard Insurance.
OneChoice reviewPinnacle Life
- Product: a standalone funeral policy
- How to buy: bought direct
- Underwriting: available as guaranteed-acceptance or underwritten
- Waiting period: Standard 24-month natural-cause waiting period; accidental from day one
- Max entry age: Up to age 75 on direct funeral cover
- Premium options: Stepped + level options
NZ's largest direct funeral-cover specialist. Online quote tool.
Pinnacle Life reviewOneChoice vs Pinnacle Life — FAQs
Is OneChoice or Pinnacle Life better for funeral cover?
Neither is "better" for everyone. OneChoice is a standalone funeral policy and guaranteed-acceptance (no health questions); Pinnacle Life is a standalone funeral policy and available as guaranteed-acceptance or underwritten. The right pick depends on your age, health, the cover amount you want, and the premium each quotes you. Compare the policy wordings and get a quote from both.
What's the main difference between OneChoice and Pinnacle Life?
OneChoice: 24-month natural-cause waiting period; accidental from day one; Entry ages on insurer site. Pinnacle Life: Standard 24-month natural-cause waiting period; accidental from day one; Up to age 75 on direct funeral cover. Underwritten by Hollard Insurance. NZ's largest direct funeral-cover specialist. Online quote tool.
Not personalised financial advice. Editorial comparison only. Premiums are individually underwritten — quote with each insurer for current rates and confirm cover details in the policy wording.